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Should You Take the Commuted Value? Interest Rates, Taxes & Retirement Flexibility
Tens of thousands of federal employees are facing job uncertainty — and many have a defined benefit (DB) pension with an option most people don't realize exists: taking the commuted value (a lump sum) instead of lifetime monthly payments.
In this episode of The Upside, Eli sits down with Dylan Reber (Portfolio Manager + CFP®) to break down what a commuted value actually is, how it's calculated, and the biggest decision factors to consider — including interest-rate timing, tax implications (maximum transfer value), locked-in accounts (LIRA), longevity, estate planning, inflation indexing, and…
The skinny
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